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All Journal INFERENSI Jurnal Pendidikan dan Konseling Indonesian Journal of Islamic Economics and Business EKSYA: Jurnal Ekonomi Syariah Journal of Student Research Jurnal Manajemen Keuangan Syariah Mutiara: Jurnal Penelitian dan Karya Ilmiah Jurnal Ilmiah Ekonomi dan Manajemen ICONS
Efni Anita
UIN Sulthan Thaha Saifuddin Jambi
Religion Humanities Computer Science & IT Decision Sciences, Operations Research & Management Economics, Econometrics & Finance Education Electrical & Electronics Engineering Languange, Linguistic, Communication & Media Law, Crime, Criminology & Criminal Justice Mathematics Public Health Social Sciences Other

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Journal : ICONS

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ANALISIS PERBANDINGAN KINERJA KEUANGAN PERBANKAN SYARIAH (STUDI BANK MUAMALAT DAN  BANK SYARIAH INDONESIA) Muhammad Ananda Rafli; Arsa; Efni Anita
ICONS: Islamic Economics Journal Vol. 2 No. 2 (2025): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v2i2.3269

Abstract

Bank performance will show a company's ability to manage and allocate its resources, so that every bank definitely wants to have good performance to be able to survive in the midst of increasingly tight banking industry turmoil. Financial performance assessment can be analyzed using ratio analysis that focuses on factors: capital, quality of productive assets, management, profitability and liquidity. This study has research results that the comparison of the CAR ratio at Muamalat Bank and Indonesian Sharia Bank in 2017-2022 shows that there is no difference between the CAR ratio at Bank Muamalat and Bank Syariah Indonesia. As evidenced by the Sig value (0.152)> 0.05. The comparison of the NPF ratio at Muamalat Bank and Indonesian Sharia Bank in 2017-2022 shows that there is no difference between the NPF ratio at Bank Muamalat and Bank Syariah Indonesia. As evidenced by the Sig value (0.134)> 0.05. Comparison of ROA ratios at Muamalat Bank and Indonesian Sharia Bank in 2017-2022 shows that there is a difference between the ROA ratio at Bank Muamalat and Bank Syariah Indonesia. As evidenced by the Sig value (0.00) > 0.05. Comparison of BOPO ratios at Muamalat Bank and Indonesian Sharia Bank in 2017-2022 shows that there is a difference between the BOPO ratio at Bank Muamalat and Bank Syariah Indonesia. As evidenced by the Sig value (0.00) > 0.05. Comparison of FDR ratios at Muamalat Bank and Indonesian Sharia Bank in 2017-2022 shows that there is a difference between the FDR ratio at Bank Muamalat and Bank Syariah Indonesia. As evidenced by the Sig value (0.00) > 0.05.
ANALISIS PERAN BSI KCP GATOT SUBROTO DI KOTA JAMBI DALAM PEMBERDAYAAN UMKM MELALUI PEMBIAYAAN MURABAHAH Dimas Albani; Efni Anita; Nurfitri Martaliah
ICONS: Islamic Economics Journal Vol. 3 No. 1 (2026): ICONS : Islam Economics Journal
Publisher : Fakultas EKonomi dan Bisnis Islam UIN Sulthan Thaha SAifuddin Jambi

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30631/icons.v3i1.5806

Abstract

This study aims to analyze the role of Bank Syariah Indonesia (BSI) Gatot Subroto Sub-Branch Office in Jambi City in empowering Micro, Small, and Medium Enterprises (MSMEs) through murabahah financing schemes. The background of this research lies in the vital role of the MSME sector as a key driver of the national economy and the contribution of Islamic financial institutions in supporting community-based economic growth. This research employs a descriptive qualitative method, with data collected through interviews, observations, and documentation involving bank representatives and MSME beneficiaries of murabahah financing. The findings indicate that BSI Gatot Subroto Sub-Branch plays an active role in MSME empowerment by providing accessible murabahah financing, business mentoring, and Islamic financial literacy programs. Murabahah financing has been found to support MSME actors in increasing business capital, expanding business networks, and improving production capacity. However, challenges remain, such as limited Islamic financial literacy among MSME actors and relatively lengthy administrative procedures. The study concludes that murabahah financing significantly contributes to MSME empowerment in Jambi City, provided that financial literacy enhancement and process simplification are carried out to optimize the outcomes.
Co-Authors Agusriandi Ahmad Syukron Prasaja Arsa Dimas Albani Eja Armaz Hardi erma novalina Eva Futri Fuad Rahman Jumiati Jumiati Luthfi Naufal ramli M Hafiz Zulfa Masnidar Masnidar Muhammad Ananda Rafli Munsarida Munsarida Neneng Sudharyanti Neneng Sudharyati Novi Mubyarto Nurfitri Martaliah Patonatu Vikria Rabiyatul Alawiyah sherly novita Syahrurromadhon